Credit Union Safety Analysis
Is Avadian Credit Union Safe? Hoover, Alabama
Based on its Q2 2026 NCUA 5300 call report, Avadian Credit Union has a net worth ratio of 10.31%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.46%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Avadian Credit Union's net worth ratio is 10.31%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.31%
- Delinquency ratio (60+ days) (Q2 2026): 0.46%
- Return on assets (Q2 2026): 1.07%
- Loan-to-share ratio (Q2 2026): 88.95%
Avadian Credit Union (NCUA charter 68583, established 1934) reported $1.43B in assets and 83,496 members for Q2 2026 from Hoover, Alabama. It ranks 9 of 87 credit unions in Alabama by total assets. Total assets grew 3.1% from $1.38B on June 30, 2025. It has 2,739 fewer members than on June 30, 2025 (-3.2%). Its net worth ratio was up 0.80 percentage points from 9.51% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $577.9M of $1.14B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.46% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.02% for Q1 2026; 9.51% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.39% for Q1 2026; 0.34% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.04% for Q1 2026; 0.79% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 88.26% for Q1 2026; 88.24% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $577.9M
- Used vehicle loans: $291.4M
- New vehicle loans: $115.2M
- Commercial loans: $94.8M
- Unsecured credit card loans: $27.4M
- Other unsecured loans and lines of credit: $20.5M
- Other secured non-real estate loans and lines of credit: $16.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.43B | 10.31% | 0.46% | 1.07% | 88.95% |
| March 31, 2026 | $1.43B | 10.02% | 0.39% | 1.04% | 88.26% |
| December 31, 2025 | $1.41B | 9.88% | 0.58% | 1.00% | 89.94% |
| September 30, 2025 | $1.38B | 9.87% | 0.38% | 1.28% | 91.06% |
| June 30, 2025 | $1.38B | 9.51% | 0.34% | 0.79% | 88.24% |
| March 31, 2025 | $1.40B | 9.17% | 0.29% | 0.70% | 85.70% |
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Free to use. It shows Avadian Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68583) · FFIEC NIC profile (RSSD 630993)
Frequently asked questions
Is Avadian Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Avadian Credit Union's net worth ratio is 10.31%, above the 7% NCUA threshold for well capitalized.
Is Avadian Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Avadian Credit Union is a federally insured credit union (NCUA charter 68583): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Avadian Credit Union's key safety ratios?
For Q2 2026, Avadian Credit Union reports net worth 10.31%, delinquency 0.46%, ROA 1.07%, loan-to-share 88.95%.
What happens to my money if Avadian Credit Union fails?
For Q2 2026, Avadian Credit Union held $1.29B in shares and deposits for 83,496 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.